Legal claims defining the scope of protection, as filed with the USPTO.
2. The method of claim 1, wherein the SignedData cryptographic message includes at least one instruction for the financial institution.
3. The method of claim 1, the method further comprising notifying the receiving party that the SignedData cryptographic message has been sent to the financial institution.
4. The method of claim 1, the method further comprising receiving, by the mobile device, at least one secondary authentication factor from the sending party.
8. The method of claim 7, wherein signcrypting the value transfer message comprises signcrypting the transfer verification token included in the value transfer message.
9. The method of claim 7, wherein the transfer verification token is included in an unsigncrypted portion of the value transfer message.
10. The method of claim 7, the method further comprising receiving, by the mobile device, at least one secondary authentication factor from the sending party.
14. The mobile device of claim 13, wherein the SignedData cryptographic message includes at least one instruction for the financial institution.
15. The mobile device of claim 13, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to notify the receiving party that the SignedData cryptographic message has been sent to the financial institution.
16. The mobile device of claim 13, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to receive at least one secondary authentication factor from the sending party.
Unknown
January 30, 2024
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